23% growth in bank loan payments

According to the announcement of the Central Bank, the payment facilities of banks during the first seven months of this year amounted to 28,478.9 thousand billion Rials, which compared to the same period of the previous year, the amount of 5,484.4 thousand billion Rials (equivalent to 23.9%) has increased. .

23,703.1 billion Rials equivalent to 83.2% of the total payment facilities belong to business owners (legal and non-legal) and 4,775.8 billion Rials equivalent to 16.8% to final consumers (households). has taken.

The share of facilities paid in the form of working capital in all economic sectors during the seven months of this year is 18,224.2 thousand billion rials, equivalent to 76.9% of the total facilities paid to business owners. Also, the share of payment facilities in the form of purchase of personal goods by final consumers (households) is 1,891.9 thousand billion Rials, equivalent to 39.6% of the total facilities paid to final consumers (households).

The share of facilities paid for the provision of working capital of the industry and mining sector in the seven months of 1402 was equal to 7,025.8 thousand billion Rials, which indicates the allocation of 38.6% of the resources allocated to the working capital of all economic sectors (amount 18,224.2 thousand billion Rials).

Out of the 8,529.2 billion Rials of facilities paid in the industry and mining sector, equivalent to 82.4% (amount of 7,025.8 billion Rials) has been paid in the provision of working capital, which shows the attention and prioritization of providing resources for This section is by banks in 1402.

Microfacilities (less than 3000 million Rials)

Of the total disbursed facilities in the mentioned period, the amount of 6,296.6 thousand billion Rials, equivalent to 22.1%, was granted in the form of micro-facilities.

Also, the amount of 543.6 thousand billion Rials has been made in the form of credit cards, which, including this amount, the total micropayment facilities (less than three billion Rials) amount to 6,840.2 thousand billion Rials, equivalent to 23.6% of the total facilities. Includes payment.

Considering that payment facilities in the form of credit cards have also been paid in the household sector, the share of the household sector has increased from 16.8% to 18.3% of the total payment facilities.

Of course, in the continuation of the current path, the considerations related to inflation control should also be taken into account, and one should always be careful about the strengthening of the inflationary potential caused by the pressure of total demand in the economy.

Based on this, it is necessary to increase the financial power of banks through increasing capital and improving the capital adequacy of banks, reducing non-current facilities and returning them to the correct path of crediting banks, increasing the efficiency of banks in providing productive working capital, avoiding double pressures on banks’ assets. And he paid special attention to encouraging production companies towards the capital market as an important tool in financing (creative) economic projects.